Terms of Service

Last updated: October 2, 2026

What This Agreement Covers

By using onlinebusinessplusvan.com, you're agreeing to these terms. They cover your use of this website — the pages, forms, resources, and tools available here. Consulting engagements are governed by separate engagement letters with their own terms, scope, and fee schedules. If anything in these website terms conflicts with your engagement letter, the engagement letter wins.

What We Provide on This Site

This website offers information about our commercial banking consulting services, educational resources about banking optimization, and tools for preliminary self-assessment. Everything on this site is for informational purposes. It's not financial advice, legal advice, or a recommendation to take specific action with your banking relationships. For example, if our fee benchmarking self-assessment suggests you might be overpaying, that's a starting point for conversation — not a diagnosis. Actual recommendations require a full engagement with access to your specific financial data.

Accuracy and Timeliness

We work hard to keep information on this site current and accurate. Banking regulations change (the CFPB consumer complaint resolution process, for instance, evolves regularly), fee structures shift, and digital platforms update. If you spot something that looks outdated or wrong, email us at contact@onlinebusinessplusvan.com — we genuinely appreciate the heads-up.

Our benchmarking data — drawn from 23 Canadian financial institutions — is updated quarterly. Statistics like the $14,200 median first-year client benefit and 340+ completed engagements are reviewed and updated as new engagement data comes in. When we cite a number, it's backed by our internal records.

Your Use of This Site

Use this site for its intended purpose — learning about commercial banking consulting, evaluating whether our services fit your needs, and getting in touch. Don't use automated scrapers, don't attempt to access restricted areas, and don't submit false information through our contact forms. We keep it simple because it usually is.

If you use any of our self-assessment tools — the Fee Benchmarking Self-Assessment, the Online Banking Feature Utilization Scorecard, or the Banking Migration Readiness Calculator — the outputs are preliminary indicators based on general data. They aren't substitutes for the detailed, client-specific analysis we perform during an actual engagement. Think of them as a conversation starter, not a conclusion.

Intellectual Property

The content on this site — text, analysis, guides, tools, and design — belongs to Vancouver Online Business Plus Ltd. You're welcome to reference our publicly available content with attribution. You may not reproduce, distribute, or create derivative works from our proprietary tools, benchmarking data, or client engagement methodologies without written permission.

Our fee benchmarking database, built and maintained by Elena Vasquez since 2015 across 23 institutions, represents a significant proprietary investment. Any anonymized data, industry comparisons, or benchmarking insights published on this site remain our intellectual property.

Limitation of Liability

Vancouver Online Business Plus Ltd. provides consulting services with professional care and diligence. That said, we cannot guarantee specific financial outcomes. When we cite median savings of $14,200, that's a real number derived from real client data — but your results depend on your specific banking arrangements, market conditions, and the decisions you make. We are not liable for decisions you make based on general information published on this website (as opposed to specific advice delivered within a consulting engagement).

For context: our client outcomes range from approximately $2,800 in annual savings for smaller, well-managed banking relationships to $34,800 for complex multi-entity consolidations like the Northshore Veterinary Group engagement. The $14,200 median represents the midpoint across 340+ engagements. Your number will be different — and during the scoping conversation, we'll give you an honest estimate of whether the likely benefit justifies the engagement fee.

Third-Party Links and Services

This site may link to external resources — regulatory body websites, banking institution pages, professional association resources. We link to them because they're useful, not because we endorse them or control their content. The BC Financial Services Authority, the Law Society of BC, and similar organizations maintain their own sites with their own terms. When you follow a link off our site, you're subject to their policies.

Privacy

Your privacy matters to us, and we have a separate Privacy Policy that explains in plain language what we collect, why we collect it, and who sees it. The short version: we collect what you give us through forms and cookies, we use it to respond to you and improve the site, and we don't sell or share it. The longer version is worth reading if you're considering an engagement — it covers how we handle sensitive financial documents during consulting work.

Changes to These Terms

We'll update these terms when something material changes — a new service offering, a shift in how we handle data, or an evolution in regulatory requirements. The "last updated" date at the top tells you when the most recent revision happened. We don't bury changes. If something significant shifts, we'll note it prominently.

Governing Law

These terms are governed by the laws of British Columbia and the federal laws of Canada applicable in British Columbia. Any disputes will be resolved in the courts of British Columbia, located in Vancouver.

Contact

Questions about these terms? contact@onlinebusinessplusvan.com or (236) 832-8381. We're real people at a real office — 606 West 30th Avenue, Vancouver, BC V5Z 0C9.